MS is short for “merchant ship,” or sometimes for “motor ship.” It's identical to the MV prefix.
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How much of a cruise ship sits underwater ranges from 20 to 31 feet, depending on the size of the vessel. However, the safety and stability of a cruise ship aren't due to the depth that it's submerged, but rather a combination of factors such as the shape of the hull.
Over the past 100 years since the RMS Titanic sank in 1912, only 18 cruise ships and some ocean liners have been publicly known to have sunk. And, over the past 50 years, only four cruise ships have sunk while navigating on a cruise.